Forest Hills Financial Group - Life Insurance Product Listing

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Rego Park Office
95-25 Queens Blvd.
10th FL
Rego Park, NY 11374
718-268-9255
718-268-9268
nperlmutter@fhfg.com
aperlmutter@fhfg.com

New York Office
122 East 42nd. Street
Suite 2200
New York, NY 10168
212-687-8901
212-661-9655 aperlmutter@fhfg.com
nperlmutter@fhfg.com

Melville Office
200 Broadhollow Road
Suite 405
Melville, NY 11747
631-589-5400
631-589-2950 aperlmutter@fhfg.com
nperlmutter@fhfg.com

LIFE INSURANCE PRODUCT

Permanent Insurance - Pension Trusts

Product	Pension Trust L100, L96, L97	Pension Trust Whole Life-3
Description	All Pension trust products have a guaranteed death benefit and a level premium payable to ages 100 for PTL 100 and to ages 96 and 97 respectively for PTL96 and PTL97.	Two versions of this pension trust product are available – guaranteed issue and underwritten. Both policies are high cash value designed as companion products for the 3% PTRA in the 412(i) market.
Minimum Face Amount	PTL 100-$100,000 PTL96 & PTL 97- $2,000 for participants first policy; $1000 for subsequent policies.	$2,000 for participants first policy; $1,000 for subsequent policies.
Issues Ages	Ages 15-80	15-65 (Guaranteed Issue) 15-85 (Underwritten)
Riders	A selection of riders available including waiver of premium, EPUA, ADB, and RTR-10.	Some major riders available including Waiver of Premium, Waiver of Specified amount, ADB, EPUA, and EABR.

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This information is intended for educational purposes only. It is for agent and broker use only. It is not for distribution to the public.

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Forest Hills Financial Group, Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS), 95-25 Queens Blvd., 10th Floor, Rego Park, NY 11374, 718-268-9255. Securities products and investment advisory services are offered through PAS, a registered investment advisor and broker-dealer. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Forest Hills Financial Group, Forest Hills Pension Services, and Forest Hills Group Services are not affiliates or subsidiaries of PAS or Guardian.

PAS is a member of FINRA / SIPC.

The Financial Representatives of Forest Hills Financial Group are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact our licensing department at 718-268-9255. Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and / or tax advisor for advice concerning your particular circumstances. Disability Income and Long Term Care products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

Registered Representatives are securities licensed in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, and this website is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

The Living Balance Sheet® and The Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2009, The Guardian Life Insurance Company of America.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.